Most people don’t get too excited when they hear the term “payments infrastructure”. But when it comes to payments, the architecture of a bank’s processing infrastructure can be the ace card in a winning hand—or the one that loses the game. With real-time payments reshaping how money moves, and ISO 20022 driving domestic and cross-border modernization, the stakes are high. Ramon Villareal, Payments Industry Lead at Red Hat, helps us get behind the rails and call the right plays.